Bank of Baroda Eterna

Fees

Waiver: Annual fee waived on spend of ₹2,50,000 or more in the preceding year; joining fee is separately waived on ₹25,000 spend within the first 60 days. Fee terms match the Mastercard/Visa Eterna variants across the two RuPay-specific sources checked (a dedicated RuPay-launch review and a community launch thread). A limited-period Lifetime Free promotional offer for new BOBCARD customers has also been reported running with end dates ranging from 30 June to 31 July 2026 depending on the source, so it may or may not still be live by the time this is read.

Rewards

Perks

• ✓Domestic lounge access: unlimited/yrUnlimited complimentary access to 60+ domestic airport lounges (Encalm, Adani, and other network lounges), subject to a minimum spend of ₹75,000 in the preceding calendar quarter (raised from ₹40,000 effective 15 July 2026 across the Eterna line). A cardholder identifying as a RuPay Eterna holder on the CardExpert review comments confirms the lounge letter ties access to meeting the same quarterly spend criteria, corroborating parity with the Mastercard variant on this specific point.
• ✓Fuel surcharge waiver: 1%Capped at ₹250/month
• ✓Forex markup: 2%
• ✓Not confirmed on this network. The Mastercard Eterna variant lists golf under a benefit explicitly named the 'Mastercard Golf Benefit' in at least one detailed review, which by its branding is tied to the Mastercard network rather than the card product generally; a dedicated RuPay-launch article and a community launch thread both mention 'complimentary golf sessions' in generic marketing language, but neither confirms this against a RuPay-specific terms document, and a separate 2025 change-log discussion reported Bank of Baroda discontinuing golf benefits on Eterna cards altogether from 1 January 2025. Given these conflicting, unresolved signals, this record does not assert golf access as a confirmed RuPay benefit.
• ✓Supports UPI linking via Google Pay, PhonePe, Paytm, and other UPI apps — the main confirmed differentiator versus the Mastercard/Visa Eterna variants; UPI transactions earn reward points at the base all-other-spend rate (3 points per ₹100) rather than an accelerated rate
• ✓Additional 20,000 bonus Reward Points milestone on ₹5,00,000 annual spend
• ✓Reward points valid for 2 years from date of accrual; redemption requires a minimum of 1,000 points, redeemable as statement credit at 1 point = ₹0.25
• ✓No reward points are earned on fuel purchases; only the fuel surcharge waiver applies
• ✓Up to 3 complimentary add-on cards
• ✓Some RuPay-launch marketing copy mentions 'comprehensive personal accident insurance' as a card feature, but no sum insured or policy document was found to confirm this, so it is not treated as a quantifiable benefit here